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You'll ruin credit!!!

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You will end up with a major negative remark on your credit report for the next 10 years and will have to start all over to build your credit up.

Sure, anybody can do a bankruptcy, but it takes someone with decent integrity to find ways to make good on their promises to repay the money they borrowed, which is what credit is. It is actually "buy now, pay later." The intelligent person doesn't buy more than they can afford to pay.

The smart thing to do is find good ways to repay your debts. Cut out luxuries, sell things you don't actually NEED, take a second part-time job. You bought things on credit and it is time to pay for them.

Your Credit Scores Should Be Free. And Now They Are.

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